By using Bloom & Budget at www.bloomandbudget.blog, you agree to these terms. If you don’t agree with them, please don’t use the site.
1. Who can use this site
This site is written for adults and older teenagers starting work. If you are under 13, please don’t use it. If you are between 13 and the age of majority where you live, use it with a parent or guardian’s permission.
2. What you may do
- Read anything here, free, as often as you like.
- Print or save a page for your own personal, non-commercial use.
- Share links to posts on social media, in group chats, or with friends and colleagues.
- Quote a short extract (a sentence or two) with a clear credit and a link back to the original post.
- Download the free printable budget template and use it for yourself, your household, or a friend.
3. What you may not do
- Copy whole posts, or substantial parts of them, and republish them on another site, newsletter, book, course or social channel.
- Sell, license or bundle this content, or use it to train a commercial product, without written permission.
- Remove author credits, or republish the free templates as your own.
- Scrape the site at a rate that degrades service for other readers, or attempt to access parts of it you are not authorised to access.
- Use the site for anything unlawful, or in a way that harms other people.
Want to republish something, translate a post, or use a template in a workshop? Just ask: nsumair006@gmail.com. Permission is often a yes.
4. Content is educational, not advice
Everything here is general education. It is not financial, legal, tax or professional advice, and no adviser relationship is created. See the disclaimer for the full wording.
5. No warranties
The site is provided “as is” and “as available”. I try to keep everything accurate and current, but I don’t warrant that the content is complete, correct or up to date, or that the site will be uninterrupted or error-free. Numbers in posts may become outdated as rules and rates change.
6. Limitation of liability
To the fullest extent permitted by law, I am not liable for any indirect, incidental or consequential loss arising from your use of this site, or from any decision you make after reading it. Nothing in these terms limits liability that cannot legally be limited.
7. Third-party links and ads
This site contains links to other websites and displays advertising. Those services have their own terms and privacy practices, and I am not responsible for them. An advertisement is not an endorsement. See the privacy policy for how advertising cookies work.
8. Intellectual property
All original text, images and downloads on this site are owned by Bloom & Budget unless credited otherwise, and are protected by copyright. The name and logo are not licensed for reuse.
9. Changes
I may update these terms as the site changes. The “last updated” date above will change too. Continuing to use the site after an update means you accept the new version.
10. Governing law and contact
These terms are governed by the laws that apply where the site owner resides, without affecting any rights you have under mandatory consumer law where you live. Questions about these terms: nsumair006@gmail.com.